The Debt-Free Spending Plan

PREFACE

This is a book for people who are in debt and don’t know how to live within their means. It’s a book for people who spend and don’t know where their money’s going. It’s a book for people who hate numbers, never liked math, and rarely—if ever—balance their checkbook.

The Debt-Free Spending Plan is a simple program that will help all of us who have had money trouble stop incurring debt, live on what we earn, and begin building our dreams. “Dream building” is the most important part of this book. Most of us who are pressed by debt or have a lack of clarity about our spending feel we have no opportunity to build anything—let alone our dreams. We go from year to year in a tightly wound survival mode, and we don’t feel as if there’s ever any ...